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🇰đŸ‡Ē PROUDLY KENYAN

Cash Loans in Kenya

Compare 223 cash loan products from CBK DCP-registered digital credit providers in Kenya — Branch International, Tala Kenya, Abepot Credit and 218 more. Loan sizes KES 50-500K, rates 0.03-25%. As of 2026-05-13.

Reviewed byPesaMarket Research Team
|Last verified: Apr 23, 2026

There are 223 cash loans available in Kenya with interest rates from 0.03% to 25% per annum. Amounts range from KES 50 to KES 500,000. PesaMarket updates this data regularly.

Showing 223 of 223 products

Chapeo Cash Loan

Chapeo

Interest Rate
0.03% - 0.06%
per annum
Max Amount
KES 100K
Approval Time
Processing Fee
None
  • 100% digital application
  • No collateral required
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

MCo-op Cash Mobile Loan

Co-operative Bank of Kenya

Interest Rate
4% - 9%
per annum
Max Amount
KES 500K
Approval Time
Instant
Processing Fee
None
  • Instant loan approval and disbursement
  • Apply via USSD *667# or M-Coop app
Apply Now
View Details & 0 Reviews →
⭐ Equity Bank customers

Equity Eazzy Loan

Equity Bank Kenya

Interest Rate
10% - 16%
per annum
Max Amount
KES 100K
Approval Time
Instant (1 minute)
Processing Fee
0
  • Instant approval within 1 minute
  • Loans up to KES 100,000
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Haraka Instant Loan

Haraka Finance

Lender site unavailable
Interest Rate
12% - 20%
per annum
Max Amount
KES 50K
Approval Time
Under 5 minutes
Processing Fee
None
  • Loan approval in under 5 minutes
  • No CRB check for first loan
Apply Now
View Details & 0 Reviews →
⭐ M-Pesa users seeking lower fees

HF Whizz Instant Loan

HF Group

Interest Rate
7.5%
per annum
Max Amount
KES 100K
Approval Time
Instant
Processing Fee
None
  • Low 7.5% facility fee
  • Backed by licensed bank (HF Group)
Apply Now
View Details & 0 Reviews →

Little Pesa Short-Term Loan

Little Pesa

Interest Rate
Varies
per annum
Max Amount
KES 200K
Approval Time
Processing Fee
None
  • No processing charges
  • Flexible tenure 7-62 days
Apply Now
View Details & 0 Reviews →
⭐ MTN Mobile Money users

MoKash Instant Loan

NCBA Bank / MTN

Lender site unavailable
Interest Rate
9%
per annum
Max Amount
KES 150K
Approval Time
Instant
Processing Fee
None
  • Instant loan via MTN Mobile Money
  • No CRB check for approval
Apply Now
View Details & 0 Reviews →
⭐ Android smartphone users

OKash Instant Loan

Okash Kenya

Interest Rate
8% - 20%
per annum
Max Amount
KES 50K
Approval Time
2-5 minutes
Processing Fee
0
  • Instant approval within 2 minutes
  • Loans from KES 1,500 to KES 50,000
Apply Now
View Details & 0 Reviews →
⭐ First-time mobile loan users

Okash Personal Loan

Okash (Opera)

Interest Rate
5% - 10%
per annum
Max Amount
KES 50K
Approval Time
Instant
Processing Fee
None
  • AI-powered instant loan approval
  • Apply via Okash mobile app
Apply Now
View Details & 0 Reviews →

Okolea Instant Loan

Okolea International

Interest Rate
11.15% - 15%
per annum
Max Amount
KES 500K
Approval Time
Processing Fee
None
  • Instant approval and disbursement
  • No collateral required
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Senti Instant Loan

Senti App

Interest Rate
10% - 20%
per annum
Max Amount
KES 50K
Approval Time
Within minutes
Processing Fee
None
  • Fast loan approval
  • No CRB check for first loan
Apply Now
View Details & 0 Reviews →

SokoHela Instant Loan

Sokohela

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 200K
Approval Time
Processing Fee
Disclosed at application
  • Among first 10 CBK licensed
  • Agri financing available
Apply Now
View Details & 0 Reviews →
⭐ First-time digital borrowers

Tala Instant Loan

Tala Kenya

Interest Rate
11% - 15%
per annum
Max Amount
KES 50K
Approval Time
10 minutes for first loan, instant for repeat users
Processing Fee
None
  • First loan approved within 10 minutes
  • Loan limit up to KES 50,000
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Timiza Instant Loan

ABSA Bank Kenya

Interest Rate
10% - 18%
per annum
Max Amount
KES 150K
Approval Time
Instant (0-1 minute)
Processing Fee
0
  • Instant approval (1 minute)
  • No paperwork required
Apply Now
View Details & 0 Reviews →

UbaPesa Instant Loan

UbaPesa

Interest Rate
9% - 15%
per annum
Max Amount
KES 50K
Approval Time
Processing Fee
None
  • CBK licensed
  • Fast approval
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers

Zenka Instant Loan

Zenka Finance Limited

Interest Rate
9% - 15%
per annum
Max Amount
KES 30K
Approval Time
Instant (1 minute)
Processing Fee
0
  • Instant approval within 1 minute
  • Loans from KES 500 to KES 30,000
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs

Zenka Personal Loan

Zenka Finance

Interest Rate
4.5% - 9%
per annum
Max Amount
KES 50K
Approval Time
Instant
Processing Fee
None
  • Instant loan approval
  • Apply via Zenka mobile app
Apply Now
View Details & 0 Reviews →
⭐ Tech-savvy borrowers

Branch Personal Loan

Branch International

Interest Rate
14% - 22%
per annum
Max Amount
KES 70K
Approval Time
5-10 minutes
Processing Fee
None
  • 100% digital - download app and apply
  • Instant approval in minutes
Apply Now
View Details & 0 Reviews →
⭐ Emergency expenses

Branch Personal Loan Plus

Branch International

Interest Rate
12% - 21%
per annum
Max Amount
KES 100K
Approval Time
Instant
Processing Fee
None
  • AI-powered instant loan approval
  • Apply via Branch mobile app
Apply Now
View Details & 0 Reviews →
⭐ Quick emergency loans

iPesa Instant Loan

iPesa Kenya

Lender site unavailable
Interest Rate
15% - 25%
per annum
Max Amount
KES 50K
Approval Time
Within minutes
Processing Fee
None
  • Instant loan approval
  • No paperwork required
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers

Tala Personal Loan Plus

Tala Kenya

Interest Rate
15% - 25%
per annum
Max Amount
KES 70K
Approval Time
Instant
Processing Fee
None
  • Alternative credit scoring using phone data
  • Instant loan approval (within minutes)
Apply Now
View Details & 0 Reviews →

TruePesa Instant Loan

TruePesa

Status unverified
Interest Rate
12% - 25%
per annum
Max Amount
KES 80K
Approval Time
Processing Fee
None
  • Low APR of 12-25%
  • Loans up to KES 80,000
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Abepot Credit Mobile Loan

Abepot Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • 24/7 application availability via app and USSD
Apply Now
View Details & 0 Reviews →
⭐ Covering utility bills before payday

Abito Credit Line

Abito

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • CRB credit-score-based pricing tiers
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Absolute Credit Kenya Mobile Loan

Absolute Credit Kenya

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Integrated with M-Pesa for instant disbursement
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Acquire Credit Quick Loan

Acquire Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Digital loan agreement signed via OTP
Apply Now
View Details & 0 Reviews →
⭐ Teachers and civil servants with payslips

Adjacent Possible Finance Quick Loan

Adjacent Possible Finance

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Adroit Credit Instant Loan

Adroit Credit

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Urban professionals with regional business

African Capital Business Loan

African Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Afrimoney Credit Instant Loan

Afrimoney Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Ajax Credit Kenya Digital Loan

Ajax Credit Kenya

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Application tracked via SMS status updates
Apply Now
View Details & 0 Reviews →
⭐ Borrowers preferring a provider with a local office

Aleza Credit Line

Aleza

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in Western Kenya via Kisumu
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Amaze Credit Credit Line

Amaze Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Integrated with Airtel Money for disbursement and repayment
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Anjoy Credit Quick Loan

Anjoy Credit

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kenya-resident borrowers with national-ID verification

ASA International Kenya Instant Loan

ASA International Kenya

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Customers who want a pan-African lender brand

Asante FS East Africa Quick Loan

Asante FS East Africa

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Asap Credit Digital Loan

Asap Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Application tracked via SMS status updates
Apply Now
View Details & 0 Reviews →
⭐ Paying school fees and urgent education costs

Aspire Lending Mobile Loan

Aspire Lending

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

Autochek Digital Loan

Autochek

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Auxiliary Credit Mobile Loan

Auxiliary Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Optional loan insurance add-on
Apply Now
View Details & 0 Reviews →
⭐ Covering utility bills before payday

Avenews Ke Quick Loan

Avenews Ke

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

AVL Capital Credit Line

AVL Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Azura Credit Digital Loan

Azura Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Salary-anchored loans for employed applicants
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Baecot Credit Credit Line

Baecot Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Physical office in Nairobi's industrial belt
Apply Now
View Details & 0 Reviews →
⭐ Locally focused customers preferring a Kenyan entity

BCF Kenya Digital Loan

BCF Kenya

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Beavers Credit Credit Line

Beavers Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Becalob Credit Mobile Loan

Becalob Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Digital-native borrowers comfortable with app flows

Betasoft Credit Instant Loan

Betasoft Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Referral bonuses when you invite other borrowers
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Bidii Credit Mobile Loan

Bidii Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ M-Pesa-first customers across Kenyan counties

Bimas Kenya Mobile Loan

Bimas Kenya

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Mount Kenya region around Meru and Embu
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Bingwa Micro Capital Credit Line

Bingwa Micro Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Blesmark Credit Quick Loan

Blesmark Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the South Rift region
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

Bluewave Cash Instant Loan

Bluewave Cash

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • CRB credit-score-based pricing tiers
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Boostline Capital Mobile Loan

Boostline Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Partnership with retailers for BNPL-style purchases
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Bossrich Credit Credit Line

Bossrich Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • WhatsApp customer support channel
Apply Now
View Details & 0 Reviews →
⭐ Kenya-resident borrowers with national-ID verification

BRAC Kenya Company Credit Line

BRAC Kenya Company

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Brisk Credit Instant Loan

Brisk Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Gig workers needing quick access to cash

Bytech Credit App Loan

Bytech Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Integrated with Airtel Money for disbursement and repayment
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Cashmart Capital Mobile Loan

Cashmart Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Application tracked via SMS status updates
Apply Now
View Details & 0 Reviews →
⭐ Digital-native borrowers comfortable with app flows

Ceres Tech App Loan

Ceres Tech

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2022
  • Weekly, bi-weekly and monthly repayment options
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Chelete Credit Quick Loan

Chelete Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Business loans available for registered SMEs
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Chime Capital Mobile Loan

Chime Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Physical office in Nairobi's industrial belt
Apply Now
View Details & 0 Reviews →
⭐ Short-term bridging while waiting for a payment

Colkos Enterprises Mobile Loan

Colkos Enterprises

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Creditarea Capital Instant Loan

Creditarea Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Dahawi Credit Quick Loan

Dahawi Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Application tracked via SMS status updates
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Decimal Capital Digital Loan

Decimal Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • No guarantor required for personal loans
Apply Now
View Details & 0 Reviews →
⭐ M-Pesa-first customers across Kenyan counties

Dexintec Kenya Credit Line

Dexintec Kenya

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Dime Credit Mobile Loan

Dime Credit

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Loan limit grows with successful repayment history
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Dotcash Credit Mobile Loan

Dotcash Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Regulated under CBK Digital Credit Providers Regulations 2022
Apply Now
View Details & 0 Reviews →
⭐ Customers who want a pan-African lender brand

East Africa Futures Company Credit Line

East Africa Futures Company

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Easyways Credit Mobile Loan

Easyways Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Borrowers comfortable with cross-border services

ED Partners Africa Credit Line

ED Partners Africa

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Edenbridge Capital Digital Loan

Edenbridge Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Elevate Credit Instant Loan

Elevate Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • USSD code for feature phone users
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Ellegant Credit Digital Loan

Ellegant Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Short-term bridging while waiting for a payment

Extend Money Services Quick Loan

Extend Money Services

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Fabilo Credit Mobile Loan

Fabilo Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • USSD code for feature phone users
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Factorhouse Credit Line

Factorhouse

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Fahari Point Capital Instant Loan

Fahari Point Capital

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Fantom Capital Credit Line

Fantom Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in Nairobi's industrial belt
Apply Now
View Details & 0 Reviews →
⭐ Urban professionals with regional business

Fast Credit Credit Line

Fast Credit

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Smartphone-first millennials and Gen Z

Fezotech Kenya Instant Loan

Fezotech Kenya

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Loan disbursed directly to M-Pesa within minutes
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Finberry Capital Business Loan

Finberry Capital

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Finboom Credit Kenya Instant Loan

Finboom Credit Kenya

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Fincorp Credit Digital Loan

Fincorp Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Fincredit Digital Loan

Fincredit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Paying school fees and urgent education costs

Finseil Mobile Loan

Finseil

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

FlashPesa Quick Loan

FlashPesa

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Fluid Capital Quick Loan

Fluid Capital

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Gig workers needing quick access to cash

Futureinno Digital Tech App Loan

Futureinno Digital Tech

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Loan limit grows with successful repayment history
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Geoland Credit Instant Loan

Geoland Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Mount Kenya region around Meru and Embu
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Getcash Capital Business Loan

Getcash Capital

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2022
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Female-owned micro-enterprises

Girls First Kenya Instant Loan

Girls First Kenya

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Granary Capital Quick Loan

Granary Capital

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Guava Capital Business Loan

Guava Capital

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Rift Valley via towns like Nakuru and Nanyuki
Apply Now
View Details & 0 Reviews →
⭐ Urban professionals with regional business

Hakki Africa Quick Loan

Hakki Africa

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Hanis Capital Mobile Loan

Hanis Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Paperless application — no paperwork to print
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Hela Capital Digital Loan

Hela Capital

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Helium Credit Digital Loan

Helium Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Iboda Credit Instant Loan

Iboda Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Weekly, bi-weekly and monthly repayment options
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

iLoan Mobile Loan

iLoan

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Inkomoko Capital Kenya Quick Loan

Inkomoko Capital Kenya

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Insight Credit Mobile Loan

Insight Credit

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Inspire Credit Credit Line

Inspire Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Ismuk Credit Instant Loan

Ismuk Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Integrated with Airtel Money for disbursement and repayment
Apply Now
View Details & 0 Reviews →
⭐ Kenya-resident borrowers with national-ID verification

Izwe Loans Kenya Quick Loan

Izwe Loans Kenya

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Paying school fees and urgent education costs

Jackfruit Associates Quick Loan

Jackfruit Associates

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Jafari Credit Credit Line

Jafari Credit

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Jambofin Credit Mobile Loan

Jambofin Credit

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Small stock purchases for informal traders

Jawabu Biashara Credit Line

Jawabu Biashara

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Jefigs Credit Mobile Loan

Jefigs Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Agribusinesses needing seasonal working capital

Juhudi Kilimo Company Quick Loan

Juhudi Kilimo Company

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Locally focused customers preferring a Kenyan entity

Jumo Kenya Credit Line

Jumo Kenya

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Karibu Credit Credit Line

Karibu Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Kechita Capital Investment Digital Loan

Kechita Capital Investment

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Physical office in the Eastern Kenya belt around Machakos and Kitui
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Keep Vision and Growth Credit Digital Loan

Keep Vision and Growth Credit

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

Kifedha Mobile Loan

Kifedha

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Kikwetu Credit Mobile Loan

Kikwetu Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Asset financing for equipment and vehicles
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from zero

Kweli Smart Solutions Digital Loan

Kweli Smart Solutions

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2022
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Lasiri Capital Credit Line

Lasiri Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Leaf Credit Digital Loan

Leaf Credit

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Weekly, bi-weekly and monthly repayment options
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

Leja Quick Loan

Leja

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

Lenana Innovative Solutions Quick Loan

Lenana Innovative Solutions

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Lendara Credit Quick Loan

Lendara Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Flexible grace period before late fees kick in
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

Lendbucks Mobile Loan

Lendbucks

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Digital-native borrowers comfortable with app flows

LendPlus Mobile Loan

LendPlus

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Digital-native borrowers comfortable with app flows

Liberty Afrika Technologies Credit Line

Liberty Afrika Technologies

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Smartphone-first millennials and Gen Z

Loan Plus Digital Credit Provider Mobile Loan

Loan Plus Digital Credit Provider

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Integrated with M-Pesa for instant disbursement
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Lobelitec Credit Mobile Loan

Lobelitec Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Flexible grace period before late fees kick in
Apply Now
View Details & 0 Reviews →
⭐ Top-up on a small existing loan

LockBx Credit Line

LockBx

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Longitude Capital Mobile Loan

Longitude Capital

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Lucason Capital Credit Line

Lucason Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • WhatsApp customer support channel
Apply Now
View Details & 0 Reviews →
⭐ Covering utility bills before payday

M-Power Credit Line

M-Power

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Maison Capital Digital Loan

Maison Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Loan disbursed directly to M-Pesa within minutes
Apply Now
View Details & 0 Reviews →
⭐ Residents of the lender's home region and county

Malicash Investment Credit Line

Malicash Investment

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Eastern Kenya belt around Machakos and Kitui
Apply Now
View Details & 0 Reviews →
⭐ Small stock purchases for informal traders

Maralal Ledger Quick Loan

Maralal Ledger

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Maxxton Enterprises Instant Loan

Maxxton Enterprises

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Mayflower Capital Mobile Loan

Mayflower Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Mount Kenya region around Meru and Embu
Apply Now
View Details & 0 Reviews →
⭐ Kenya-resident borrowers with national-ID verification

Medical Credit Fund Instant Loan

Medical Credit Fund

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Mednow Capital Instant Loan

Mednow Capital

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Smartphone-first millennials and Gen Z

MFS Technologies Instant Loan

MFS Technologies

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Milhan Access Capital Quick Loan

Milhan Access Capital

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Mimi Credit Instant Loan

Mimi Credit

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Mint Credit Instant Loan

Mint Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

MKash Solutions Credit Line

MKash Solutions

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • KYC verification via IPRS and Huduma number
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

MKM Capital Mobile Loan

MKM Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Agribusinesses needing seasonal working capital

Mkulimapay Credit Mobile Loan

Mkulimapay Credit

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Agricultural finance for smallholder farmers
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Modesty Credit Quick Loan

Modesty Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Mount Kenya region around Meru and Embu
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Momentum Credit Instant Loan

Momentum Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small stock purchases for informal traders

Moneza Quick Loan

Moneza

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Moto Hope Capital Instant Loan

Moto Hope Capital

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Mular Credit Instant Loan

Mular Credit

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Eastern Kenya belt around Machakos and Kitui
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Musoni Capital Mobile Loan

Musoni Capital

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Mwananchi Credit Instant Loan

Mwananchi Credit

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Mwanzo Credit Mobile Loan

Mwanzo Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2022
  • Application tracked via SMS status updates
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

MyWagepay Instant Loan

MyWagepay

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2022
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Gig workers needing quick access to cash

Natal Tech Quick Loan

Natal Tech

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Newark Frontiers Credit Line

Newark Frontiers

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

NJB Quick Loan

NJB

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Early repayment rewards (reduced fees)
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Novatok Credit Digital Loan

Novatok Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Partnership with retailers for BNPL-style purchases
Apply Now
View Details & 0 Reviews →
⭐ Gig workers needing quick access to cash

Numida Technologies Kenya Digital Loan

Numida Technologies Kenya

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

ODI Credit Quick Loan

ODI Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Borrowers preferring a provider with a local office

Onwards Swift Company Quick Loan

Onwards Swift Company

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Nyanza region south of Kisumu
Apply Now
View Details & 0 Reviews →
⭐ Residents of the lender's home region and county

Opal Quick Mobile Loan

Opal Quick

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Physical office in the Mount Kenya region around Meru and Embu
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Otas Credit Digital Loan

Otas Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • M-Pesa STK push for one-tap repayment
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Pato Capital Quick Loan

Pato Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Payablu Credit Mobile Loan

Payablu Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Application tracked via SMS status updates
Apply Now
View Details & 0 Reviews →
⭐ Top-up on a small existing loan

Pembeni Cash Quick Loan

Pembeni Cash

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • No collateral required for first-time loans
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Pesaglow Capital Business Loan

Pesaglow Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • 24/7 application availability via app and USSD
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Pesakuu Credit Digital Loan

Pesakuu Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Mobile app available on Google Play Store
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Peshee Capital Mobile Loan

Peshee Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Eastern Kenya belt around Machakos and Kitui
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Phoenix Capital Business Loan

Phoenix Capital

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Pi Capital Business Loan

Pi Capital

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Premier Credit Credit Line

Premier Credit

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Primebridge Capital Instant Loan

Primebridge Capital

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Loan disbursed directly to M-Pesa within minutes
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Progressive Credit Quick Loan

Progressive Credit

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Puphik Credit Digital Loan

Puphik Credit

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Physical office in the Rift Valley via towns like Nakuru and Nanyuki
Apply Now
View Details & 0 Reviews →
⭐ Borrowers preferring a provider with a local office

Quickflex Ventures Instant Loan

Quickflex Ventures

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Physical office in the Rift Valley via towns like Nakuru and Nanyuki
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Radi Credit Credit Line

Radi Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Locally focused customers preferring a Kenyan entity

Real People Kenya Instant Loan

Real People Kenya

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

Reazilla DCP Instant Loan

Reazilla DCP

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • WhatsApp customer support channel
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

Rewot Ciro Mobile Loan

Rewot Ciro

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2022
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Risine Credit Credit Line

Risine Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Partnership with retailers for BNPL-style purchases
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Rosatap Credit Instant Loan

Rosatap Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Coast region via Mombasa
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Rosky Credit Instant Loan

Rosky Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Physical office in the Coast region via Mombasa
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Seanala Credit Credit Line

Seanala Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Agri-finance product line for smallholder farmers
Apply Now
View Details & 0 Reviews →
⭐ Paying school fees and urgent education costs

Select Management Services Instant Loan

Select Management Services

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Simbageld Mobile Loan

Simbageld

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Simplepay Capital Credit Line

Simplepay Capital

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Small business owners needing stock finance

Sipranda Capital Digital Loan

Sipranda Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Smartphone-first millennials and Gen Z

Siti Mobility Technologies Credit Line

Siti Mobility Technologies

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Snowflex Capital Mobile Loan

Snowflex Capital

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Referral bonuses when you invite other borrowers
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Spectrum Credit Credit Line

Spectrum Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

SpotIt Credit Line

SpotIt

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Spread Capital Quick Loan

Spread Capital

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Steadfast Credit Quick Loan

Steadfast Credit

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Stride Credit Mobile Loan

Stride Credit

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Physical office in the Mount Kenya region around Meru and Embu
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Suffice Mobile Loan

Suffice

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Paying school fees and urgent education costs

Sumpay Quick Loan

Sumpay

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Sure Cred Capital Mobile Loan

Sure Cred Capital

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Loan top-ups available mid-term for existing customers
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Tanir Credit & Accounting Services Instant Loan

Tanir Credit & Accounting Services

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Tazu Credit Digital Loan

Tazu Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Loan top-ups available mid-term for existing customers
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

Tenakata Enterprises Quick Loan

Tenakata Enterprises

Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Tentacorp Holdings Credit Line

Tentacorp Holdings

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • M-Pesa STK push for one-tap repayment
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Tinycost Credit Kenya Mobile Loan

Tinycost Credit Kenya

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Tip-Point Capital Mobile Loan

Tip-Point Capital

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Transsnet Credit Mobile Loan

Transsnet Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Partnership with retailers for BNPL-style purchases
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Treasure Store Credit Line

Treasure Store

Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Boda-boda operators covering maintenance costs

TrustGro SCA Mobile Loan

TrustGro SCA

Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Kiosk, salon and market-stall operators

Tundar Capital Business Loan

Tundar Capital

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Covering unexpected medical expenses

Umoja Fanisi Instant Loan

Umoja Fanisi

Status unverified
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2023
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Paying school fees and urgent education costs

Unidirect Digital Loan

Unidirect

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Unifi Credit Quick Loan

Unifi Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Vision Edge Credit Partners Mobile Loan

Vision Edge Credit Partners

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 30K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Physical office in the Kiambu, Ruiru and Thika corridor
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Wabema Credit Mobile Loan

Wabema Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Optional loan insurance add-on
Apply Now
View Details & 0 Reviews →
⭐ First-time borrowers testing digital credit

Wakanda Credit Instant Loan

Wakanda Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from scratch

Westlip Credit Digital Loan

Westlip Credit

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Instant for repeat borrowers, minutes for new ones
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Digital loan agreement signed via OTP
Apply Now
View Details & 0 Reviews →
⭐ Building CRB credit history from zero

Wiresphere Digital Loan

Wiresphere

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 50K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Option to roll over loan with partial payment
Apply Now
View Details & 0 Reviews →
⭐ Borrowers preferring a provider with a local office

Yehu Impact Quick Loan

Yehu Impact

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within 10 minutes for approved applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2026
  • Physical office in the Coast region via Mombasa
Apply Now
View Details & 0 Reviews →
⭐ Short-term bridging while waiting for a payment

Zaidi Pato Mobile Loan

Zaidi Pato

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 100K
Approval Time
Typically within 1-4 hours of approval
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Repayment history shared across CRBs to build score
Apply Now
View Details & 0 Reviews →
⭐ Informal traders with working-capital gaps

Zamaradi Capital & Credit Group Digital Loan

Zamaradi Capital & Credit Group

Lender site unavailable
Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Within minutes to 24 hours
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Agri-finance product line for smallholder farmers
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Ziki Credit Quick Loan

Ziki Credit

Interest Rate
Varies
per annum
Max Amount
KES 75K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2025
  • Integrated with Airtel Money for disbursement and repayment
Apply Now
View Details & 0 Reviews →
⭐ Emergency cash needs between paycheques

Zillions Credit Digital Loan

Zillions Credit

Interest Rate
Varies
per annum
Max Amount
KES 150K
Approval Time
Same day for most applications
Processing Fee
Varies by loan size and tier
  • CBK-licensed Digital Credit Provider since 2024
  • Operates a professional website and digital presence
Apply Now
View Details & 0 Reviews →

Expert Advice

“Emergency cash loans serve a purpose, but they should be a last resort. The effective annual rate on most payday loans in Kenya exceeds 100%. If you need cash regularly, a personal loan or salary advance is cheaper.”

P
PesaMarket Research Team

Financial Analysis

Browse Cash Loans by County

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